Melo Finance SA


Melo Finance SA is the South African based short-term lender providing credit to South Africans via the internet. Our office is situated in Johannesburg. We offer payday loans from R100 up to R2500 for anything up to a month. We are here to help you bridge that emergency funding gap and are one of the short-term lenders with no hidden costs, no application cost and faster payments.

Responsible Lending
Melo Finance SA (Pty) Ltd. Company Reg. No.: 2014/279919/07 is a member of Micro Finance South Africa (MFSA),a registered Credit Provider NCRCP7201 and regulated by the National Credit Act 34 of 2005.
As a uniquely South African company, we are committed to responsible lending, and we strongly recommend that you only borrow what you can afford to pay back within the loan terms. Our short term loans, quick easy payday loans, cash advance loans, personal loans, instant cash loans, bridge loans, same day online loans and fast flexible loans are not intended for long-term financial solutions and you should only borrow what you know you can repay.
As a registered credit provider, we will provide our customers with the following information and will carry out the checks listed below:

  • Interest and fees are calculated upfront, you know exactly what your repayment amount is before you even start the application process.
  • Every loan application will be subject to credit checks and affordability assessment in line with responsible lending.
  • We will verify that your personal details match your bank details via account holder verification service as part of our anti-fraud and risk strategy.
  • Documentation and agreements are easy to understand.
  • The Quotations we issue are valid for 5 working days.
  • We will provide our customers with feedback on the outcome of the loan application.
  • We will always make sure that any loan repayments or late fees incurred are communicated plainly to you.
  • We will handle any queries or complaints customers may have in accordance with our Complaints Procedure and ensure these are dealt with promptly and effectively.
  • We will treat customers with consideration and patience if they were to experience difficulties with loan repayment.

Contact Us

We're not around right now. But you can send us an email and we'll get back to you, asap.